再造投贷联动文化与商业银行转型

Reconstructing the Culture of Investment-Loan Linkage and the Transformation of Commercial Banks

当前,商业银行的传统信贷业务正在遭遇资产荒、存款荒和收入荒,还面临着不良资产压力居高不下、市场竞争压力与日俱增、经营转型迫在眉睫这三大压力。与此同时,投贷联动作为商业银行特有的经营模式,发展前景广阔,是商业银行投行业务发展的必然选择。投贷联动文化再造应着力形成差异化风控体系。在具体实践中,银行投行部门应着重考虑从客户选择、业务模式、盈利模式和股债结构等方面推动投贷联动实践。此外,投贷联动文化再造和实践推进还需要相关政策的支持。

At present, the traditional credit business of commercial banks is experiencing the shortages of assets, deposits and income. It is also facing the pressures of high non-performing assets, increasing market competition and imminent business transformation. At the same time, the investment-loan linkage as a specific business mode of commercial banks has a broad development prospect and is an inevitable choice of commercial banks to develop investment banking business. Reconstructing the cultural of investment-loan linkage should be focused on forming differentiated risk-control system. In practice, the investment banking departments of banks should focus on the choice of customers, business mode, profit mode and the structure of shares and bonds to promote the practice of investment-loan linkage. In addition, reconstructing the cultural of investment-loan linkage and promoting the practice need the support of relevant policies.